Terms of Service

Last updated: · Governed by the laws of the Republic of the Philippines

These Terms of Service ("Terms") govern your access to and use of the Chart Growth Learning Hub website and community (the "Service"), operated by Chart Growth Learning Hub ("Chart Growth," "we," "us," or "our"). By using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Educational purpose only — not financial advice

The Service provides general educational content about forex trading. It is intended for information and learning only. Nothing on the Service constitutes, and nothing should be interpreted as:

• investment, financial, trading, legal, or tax advice;
• a recommendation, solicitation, or offer to buy, sell, or hold any currency, security, or financial instrument; or
• a managed-account, fund-management, or signal-selling service.

We are not a broker, dealer, investment adviser, investment house, or financial planner, and we are not registered or licensed with the Philippine Securities and Exchange Commission (SEC), the Bangko Sentral ng Pilipinas (BSP), or any regulator to provide investment advice or to solicit, accept, or manage investments. You should consult a duly licensed professional before making any financial decision.

2. Risk disclosure

Trading foreign exchange and other leveraged products carries a high level of risk and may not be suitable for all persons. You can lose some or all of your invested capital. Leverage can work against you as well as for you. Past performance is not indicative of future results. Any examples, charts, or scenarios shown are illustrative and hypothetical. You trade entirely at your own risk and are solely responsible for your decisions. Never trade with money you cannot afford to lose.

3. No guarantees

We make no representation, warranty, or guarantee of any profit, income, or specific outcome from using the Service or from trading. Any testimonials reflect individual experiences and are not typical or guaranteed.

4. Eligibility

You must be at least eighteen (18) years old and of legal age to enter into a binding contract to use the Service. By using the Service you confirm that you meet this requirement.

5. Accounts, content, and conduct

You agree to provide accurate information and to use the Service lawfully. You agree not to: misuse or disrupt the Service; post unlawful, misleading, or harmful content; impersonate others; promote scams, "guaranteed returns," or unlicensed investment solicitations; or infringe any third party's rights. We may remove content or suspend access at our discretion.

6. Intellectual property

All content on the Service — including text, graphics, logos, lessons, and templates — is owned by or licensed to Chart Growth and is protected by applicable intellectual-property laws. You may use it for your personal, non-commercial learning. You may not copy, resell, redistribute, or create derivative works without our prior written consent.

7. Third-party links and services

The Service may reference or link to third-party websites, brokers, or tools. We do not endorse, control, or assume responsibility for any third party. Any dealings you have with third parties are solely between you and them. We do not receive undisclosed commissions for steering you to any specific broker. [Confirm and amend this statement to reflect your actual business model.]

8. Newsletter and communications

If you subscribe, you consent to receive educational and promotional emails. You may unsubscribe at any time using the link in each email. See our Privacy Policy for how we handle your data.

9. Disclaimer of warranties

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

10. Limitation of liability

To the fullest extent permitted by Philippine law, Chart Growth and its officers, members, and contributors shall not be liable for any indirect, incidental, special, consequential, or exemplary damages, or for any trading losses, loss of profits, or loss of data, arising from or related to your use of the Service or reliance on its content.

11. Indemnity

You agree to indemnify and hold harmless Chart Growth from any claims, damages, or expenses arising from your misuse of the Service or your violation of these Terms.

12. Changes to the Service and Terms

We may modify or discontinue the Service, and may update these Terms, at any time. Continued use after changes take effect constitutes acceptance. The "Last updated" date reflects the current version.

13. Governing law and venue

These Terms are governed by the laws of the Republic of the Philippines, without regard to conflict-of-law principles. You agree that the proper courts of [INSERT CITY/PROVINCE], Philippines shall have exclusive jurisdiction over any dispute, subject to any mandatory consumer-protection rules that apply to you.

14. Contact

Questions about these Terms? Email hello@chartgrowthhub.com.